Four steps between you and your title.

1. Choose your plot

   Browse every available plot on terragoug.com: real inventory, live availability. Or tell us your budget on WhatsApp and we will find one for you. Better yet, come stand on it: free site visits every day, depending on availability.

2. Pick your plan

   12 or 24 months; daily, weekly, monthly or quarterly payments. Your payment is fixed for the whole contract. Work out your exact figure yourself. You do not need to call anyone to get a price.

3. Sign and start paying

   Your sale agreement arrives digitally by email, stating your plot, plan, payment and title terms. First payment by MTN Mobile Money, Airtel Money or card (Visa/Mastercard) starts the plan. No deposit, no salary letter, no collateral.

4. Finish and receive title

   When the last instalment clears, you get the title. While you pay, it is held by TerraGo Real Estate Limited. Verify that yourself at the Ministry of Lands before you start.

What if I fall behind on payments?

Nobody plans to fall behind, but you deserve to know exactly what happens if you do. This is the same policy written in your sale agreement, in the order it happens.

1. A late instalment attracts a daily penalty. Each overdue instalment is charged 0.1% of that instalment for each calendar day it stays unpaid.
2. After 9 days you are in default. If overdue instalments are still unpaid after 9 calendar days, the agreement treats this as a breach.
3. You then get a 21-day cure period. From the default date, you have 21 calendar days to clear everything outstanding: the overdue instalments plus the penalties.
4. Only after that can the agreement end. If the outstanding amount is not cleared within the cure period, TerraGo has the right to end the agreement. The full terms for that situation are set out in your sale agreement.

If money is getting tight, message us on WhatsApp before your due date. A conversation before a missed payment is always better than penalties after one.

Going the other way? You can pay off part or all of your balance early, at any time, with no extra fees.

Common questions

How do I buy land on TerraGo?

To buy a plot of land, simply select the desired plot. Choose from a 1 or 2-year contract and one of four payment options: daily, weekly, monthly, or quarterly. No down payment or upfront payment is required. Then create an account on our website and once you accept the digital agreement, a copy will be sent to your email address. Make your first payment and your instalments start immediately.

When will the transfer of title take place?

The transfer of title will be done after your instalment payments are completed. This is when we receive full payment for the land. Rest assured that all our plots are registered under TerraGo, and additional documentation is available upon request.

Can I purchase multiple plots under the same account?

Yes, you can purchase multiple plots under the same account on terragoug.com. Each plot will have a separate contract and payment plan.

Are the plots listed detailed enough for me to make an informed decision?

Yes, each plot listed includes a drawing of the plot and the plot number, allowing you to make an informed choice. We include an accurate GPS marker, along with information about the nearest landmarks, availability of utilities, and more.

Can I visit the land before making a purchase?

Absolutely! We offer FREE site visits every day (depending on availability).

How do I make payments for the land?

Payments can be made using Airtel Money or MTN mobile money and credit/debit card (VISA/MASTERCARD), making it even more convenient for you to make payments.